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Lincoln OptiBlend 10 (CA Only)

The Lincoln OptiBlend 10 provides a valuable safety net for retirement planning. This product offers strong growth potential, while always protecting your hard-earned initial investment. Enjoy peace of mind knowing your income is secure.

With the OptiBlend 10, you have the flexibility to adapt to unpredictable life changes. This product is quite user-friendly, even for those new to annuities. An excellent choice for Californians planning for a stable future!

Lincoln OptiBlend 10 (CA Only)

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About Product

Type

Fixed Index

Purpose

Accumulation

Term

9 Years

Surrender schedule

9.25%

8.25%

7.25%

6.25%

5.2%

4.2%

3.15%

2.1%

1.05%

Fee withdrawal:

10%

Flexible premium

Product Life

Market Value Adjustment

Return Of Premium

Minimum Contribution

$10,000

Maximum Contribution

$2,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, IRA, IRA Rollover, IRA Transfer, IRA-Roth, 1035 Exchange, Stretch IRA, and NQ Stretch

Launch Date

06/01/2015

The Lincoln OptiBlend 10 is a flexible premium fixed indexed annuity with a 10-year surrender charge period and MVA provision. The Lincoln OptiBlend 10 provides advantages such as tax deferral, long-term growth, and a death benefit payout with the added benefit of enhanced growth with no risk of loss of premium due to market fluctuations.

Available in states: CA

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	3% Fixed
1-Year BlackRock Dynamic Allocation PTP Participation Rate	Point to Point Annual	155% Participation
2-Year BlackRock Dynamic Allocation PTP Participation Rate	Point to Point Biennial	175% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	7% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	40% Participation
1-Year S&P 500 Performance Triggered	Performance Triggered Annual	6.25% Performance triggered
1-Year Fixed Account	Fixed	3.25% Fixed
1-Year BlackRock Dynamic Allocation PTP Participation Rate	Point to Point Annual	165% Participation
2-Year BlackRock Dynamic Allocation PTP Participation Rate	Point to Point Biennial	200% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	7.75% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	45% Participation
1-Year S&P 500 Performance Triggered	Performance Triggered Annual	7% Performance triggered
1-Year S&P 500 Daily Risk Control 5% ER PTP Spread	Point to Point Annual	0.25% Spread
1-Year S&P 500 Daily Risk Control 5% ER PTP Spread	Point to Point Annual
1-Year S&P 500 Daily Risk Control 10% ER Performance Trigger	Performance Triggered Annual	7.75% Performance triggered
1-Year S&P 500 Daily Risk Control 10% ER Performance Trigger	Performance Triggered Annual	8.75% Performance triggered
1-Year S&P 500 Dual Trigger	Dual Performance Trigger (FIA) Annual	5.5% Performance triggered
1-Year S&P 500 Dual Trigger	Dual Performance Trigger (FIA) Annual	6.5% Performance triggered

Surrender schedule

Year	1	2	3	4	5	6	7	8	9
Penalty	9%	8%	7%	6%	5%	4%	3%	2%	1%

Hypothetical Projection

Comparison against S&P 500 using current rates

See if this annuity ranks in your top 3 for Ohio

Investment Amount

Riders

No Riders for Lincoln OptiBlend 10 (CA Only) annuity.

Waivers

Nursing Home

Allows access to contract value without surrender charge or MVA if certain conditions are met. Please see the Disclosure Statement for necessary criteria and conditions. Nursing home and terminal illness benefits are provided through riders. The nursing home waiver does not include home health care.

Terminal Illness

Premium Notes

Initial Premium
Minimum: $10,000;
Additional premiums
Up to $25,000 each contract year (minimum $50). Additional premiums are applied to the Fixed Account and can be moved during the reallocation period. Maximum of $100,000 cumulative additional premiums. Additions are allowed any time until the maturity date.
Additional premiums are not allowed if i4LIFE® Indexed Advantage has been elected.

Withdrawal Provisions

Market Value Adjustment (MVA)If you access more than the 10% annual free withdrawal before the end of the surrender charge period, it may be subject to a surrender charge and an MVA. The MVA is a positive or negative adjustment based on the current interest rate environment at the time of the surrender. The MVA does not apply to: withdrawals after the surrender charge period, 10% annual free withdrawal, the death benefit, annuitized contracts, or contracts issued in selected states. Death benefit (prior to annuitization) Upon the death of a contractowner or annuitant, beneficiaries may receive the greater of the contract value, GMNSV or GMCSV. Free Withdrawals Each policy year you may take free partial surrenders of up to 10% of the policies accumulation value without an Market Value Adjustment (MVA) or surrender charge, but any amount in excess of 10% is subject to an Market Value Adjustment (MVA) and surrender charge. Annuitization options are:Income for a Fixed Period (for at least 5 years) Life Income (Life Only, Life with Guaranteed Period, and Life with Installment Refund)Interest Only (For at least 5 years) Income of a Fixed Amount (For at least 5 Years)

Company Founded: 1905

Excellent Rated Company

Lincoln National Life Insurance Company

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